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It`s chic to be frugal in the `90s.

And a new book can supply you with smart ways to nip spending.

Among the tips included in ”1,001 Ways To Cut Your Expenses,” by Jonathan D. Pond, a financial analyst (Dell, $8):

– When grocery shopping, consider choosing products on top and bottom shelves. High-ticket items are at eye level.

– Buy medium-weight clothes you can wear all year-round.

– Form an office ”coffee club” and pool your money to make your own java at work.

– Keep your car windows closed. Even though the opposite used to be true, cars now are designed to perform most efficiently with the windows closed-even with the air conditioner on.

– Prepare a snack box for your next air travel excursion. It`ll probably be far better than anything you`re served, and you`ll be less tempted to eat over-priced airport food when you land.